All Plans · Plan Year 2026–2027
Everything you need to understand, access, and get the most out of your Indie Healthcare coverage — medical, dental, vision, and the extras that come with it.
ACA Compliant · Minimum Essential Coverage
| Wellness and Preventive | Covered at 100% |
| Primary Care Visits | $25 Copay |
Look up your medication in the full drug formulary →
| Telemedicine | $0 copay |
| Virtual Behavioral Health | $0 copay |
Recuro Health's Virtual Urgent Care & Behavioral Health give you 24/7 access to board-certified doctors and licensed counselors. Access via the HealthWallet app or call 1-855-6RECURO.
| Dental | Included |
| Vision | Included |
| Durable Medical Equipment | Included |
| Diabetic Supplies | Included |
| Fitness | Included |
| X-Rays | Included |
See how to register your discount card →
The HealthWallet mobile app puts your coverage in the palm of your hand.
Present your medical card with your prescription at any of our 60,000+ retail pharmacies (PureRx). Additional information is on your medical ID card.
ACA Compliant · Minimum Essential Coverage
| Wellness and Preventive | Covered at 100% |
| Primary Care Visits | $25 Copay |
| Specialist Visits | $25 Copay |
| Urgent Care Visits | $50 Copay |
| Laboratory Services | $50 Copay |
| X-Rays | $50 Copay |
Look up your medication in the full drug formulary →
| Telemedicine | $0 copay |
| Virtual Behavioral Health | $0 copay |
Recuro Health's Virtual Urgent Care & Behavioral Health give you 24/7 access to board-certified doctors and licensed counselors. Access via the HealthWallet app or call 1-855-6RECURO.
| Dental | Included |
| Vision | Included |
| Durable Medical Equipment | Included |
| Diabetic Supplies | Included |
| Fitness | Included |
| X-Rays | Included |
See how to register your discount card →
The HealthWallet mobile app puts your coverage in the palm of your hand.
Present your medical card with your prescription at any of our 60,000+ retail pharmacies (PureRx). Additional information is on your medical ID card.
A full list of preventive benefits covered at no cost under your plan — for adults, women, and children. For the most up-to-date list, visit healthcare.gov/coverage/preventive-care-benefits.
These exclusions and limitations apply only to the MEC plans and are standard with plans found on the Marketplace. This list isn't intended to be complete — additional exclusions or limitations may apply. Only services listed under the summary of benefits are covered; an omission from this list does not imply a service is covered. Members and providers should confirm coverage before services are rendered.
Delta Dental PPO
Indie Healthcare offers two Delta Dental PPO tiers — Preventive and Comprehensive. Both use the same nationwide network and Carryover Max℠ benefit; Comprehensive adds coverage for basic and major services.
| Benefit | In Network | Out of Network |
|---|---|---|
| Preventive & Diagnostic — exams, cleanings, bitewing & full mouth X-rays, fluoride treatments, space maintainers | 100% | 100% |
| Basic — fillings, extractions, oral surgery, periodontics, root canals, sealants | — | — |
| Major — crowns, gold restorations, bridgework, dentures, implants | — | — |
| Benefit | In Network | Out of Network |
|---|---|---|
| Preventive & Diagnostic — exams, cleanings, bitewing & full mouth X-rays, fluoride treatments, space maintainers | 100% | 100% |
| Basic — fillings, extractions, oral surgery, periodontics, root canals, sealants | 80% | 50% |
| Major — crowns, gold restorations, bridgework, dentures, implants | 50% | 50% |
Carryover Max℠ from Delta Dental lets you carry over a portion of your unused annual maximum into future years — useful for bigger procedures like bridges, crowns, and root canals.
VSP · Powered by Delta Vision
Exam / lens / frame frequency: 12 / 12 / 24 months · Contacts in lieu of glasses: every 12 months.
| Eye Exam Copay | $10 |
| Materials Copay | $25 |
| Frame Allowance | $130 ($70 Walmart / Sam's Club / Costco) |
| Elective Contact Lens Allowance | $130 |
| Necessary Contact Lenses | Covered in full after copay |
| Contact Lens Fit/Evaluation Copay | $60 |
| Frames + Contacts Same Year | No — contacts in lieu of frames |
| Examination, up to | $45 |
| Single Vision Lenses, up to | $30 |
| Bifocal Lenses, up to | $50 |
| Trifocal Lenses, up to | $65 |
| Progressive Lenses, up to | $50 |
| Lenticular Lenses, up to | $100 |
| Frames, up to | $70 |
| Elective Contact Lenses, up to | $105 |
| Necessary Contact Lenses, up to | $210 |
| Anti-Glare Coating | $41 single / $41 multifocal |
| Impact-Resistant Lenses (Adult) | $31 single / $35 multifocal (covered for children) |
| Progressive Lenses | Standard progressives covered |
| Light-Reactive Lenses | $75 single / $75 multifocal |
| Scratch Resistant Coating | $17 single / $17 multifocal |
Prices shown reflect the standard plastic price for each category. Premium lens enhancement prices may vary, are valid only through the VSP Choice Network, and are subject to change without notice.
This is not insurance — it's a discount medical program that stacks with your MEC plan for everyday savings.
Accepted at over 80,000 provider locations nationwide, covering all dental services and specialties, including orthodontia. Savings up to 50%, no limit on services or use.
Accepted by over 11,000 Outlook vision providers. Cardholders receive up to 50% savings on lenses, frames, and other vision needs.
Members receive a free hearing test and up to 70% discount on hearing aids at 2,200 providers nationwide.
Save up to 50% using the online search tool to locate a lab and order tests. Results available within 48–96 hours.
Concierge appointment service with savings up to 75%+ on MRI, PET, and CT scans at over 4,000 locations nationwide.
A wide range of vitamin and mineral supplements delivered directly to the member's home at discounted rates.
A full line of diabetes testing supplies delivered directly to the member's home, and more.
This is NOT insurance. It is a discount medical program. It does not replace COBRA or any other medical insurance program, nor is it a Medicare Part D prescription drug plan. Cardholders are responsible for paying the discounted cost at time of service from participating providers. WellCard Savings will not share or sell your personal information. The discount plan organization is Access One Consumer Health, Inc., 84 Villa Road, Greenville, SC 29615. Not available to residents of Montana, though it may be used at participating Montana providers. Other state residents: visit WellCardSavings.com for full disclosure.
Questions about this benefit? An Indie Healthcare benefits specialist can walk you through it — no phone tree.